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STATE STREET CORP (STT) Stock Fundamental Analysis

NYSE:STT - New York Stock Exchange, Inc. - US8574771031 - Common Stock - Currency: USD

108.51  +1.03 (+0.96%)

After market: 108.51 0 (0%)

Fundamental Rating

3

Overall STT gets a fundamental rating of 3 out of 10. We evaluated STT against 234 industry peers in the Capital Markets industry. Both the profitability and financial health of STT have multiple concerns. STT has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year STT was profitable.
In the past year STT has reported a negative cash flow from operations.
Each year in the past 5 years STT has been profitable.
In multiple years STT reported negative operating cash flow during the last 5 years.
STT Yearly Net Income VS EBIT VS OCF VS FCFSTT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B

1.2 Ratios

STT has a worse Return On Assets (0.71%) than 68.67% of its industry peers.
STT's Return On Equity of 9.98% is in line compared to the rest of the industry. STT outperforms 59.66% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 9.98%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)9.34%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
STT Yearly ROA, ROE, ROICSTT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of STT (20.26%) is comparable to the rest of the industry.
STT's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for STT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.7%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
STT Yearly Profit, Operating, Gross MarginsSTT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

STT has less shares outstanding than it did 1 year ago.
The number of shares outstanding for STT has been reduced compared to 5 years ago.
The debt/assets ratio for STT is higher compared to a year ago.
STT Yearly Shares OutstandingSTT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
STT Yearly Total Debt VS Total AssetsSTT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

STT has a Debt/Equity ratio of 1.51. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.51, STT is not doing good in the industry: 70.82% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
STT Yearly LT Debt VS Equity VS FCFSTT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STT Yearly Current Assets VS Current LiabilitesSTT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.74% over the past year.
STT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.08% yearly.
The Revenue has grown by 11.11% in the past year. This is quite good.
STT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.
EPS 1Y (TTM)20.74%
EPS 3Y5.35%
EPS 5Y7.08%
EPS Q2Q%17.67%
Revenue 1Y (TTM)11.11%
Revenue growth 3Y2.63%
Revenue growth 5Y2.03%
Sales Q2Q%8.05%

3.2 Future

STT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.63% yearly.
STT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.83% yearly.
EPS Next Y11.13%
EPS Next 2Y11.18%
EPS Next 3Y11.82%
EPS Next 5Y8.63%
Revenue Next Year4.43%
Revenue Next 2Y3.94%
Revenue Next 3Y3.89%
Revenue Next 5Y2.83%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
STT Yearly Revenue VS EstimatesSTT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B
STT Yearly EPS VS EstimatesSTT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.51 indicates a reasonable valuation of STT.
STT's Price/Earnings ratio is a bit cheaper when compared to the industry. STT is cheaper than 67.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.50, STT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.09, the valuation of STT can be described as reasonable.
Based on the Price/Forward Earnings ratio, STT is valued a bit cheaper than 75.54% of the companies in the same industry.
STT is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.51
Fwd PE 10.09
STT Price Earnings VS Forward Price EarningsSTT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
STT Per share dataSTT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80

4.3 Compensation for Growth

STT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)1.63
EPS Next 2Y11.18%
EPS Next 3Y11.82%

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6

5. Dividend

5.1 Amount

STT has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.
STT's Dividend Yield is comparable with the industry average which is at 7.84.
STT's Dividend Yield is a higher than the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.13%

5.2 History

On average, the dividend of STT grows each year by 6.75%, which is quite nice.
STT has paid a dividend for at least 10 years, which is a reliable track record.
STT has decreased its dividend recently.
Dividend Growth(5Y)6.75%
Div Incr Years1
Div Non Decr Years1
STT Yearly Dividends per shareSTT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

5.3 Sustainability

39.65% of the earnings are spent on dividend by STT. This is a low number and sustainable payout ratio.
The dividend of STT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.65%
EPS Next 2Y11.18%
EPS Next 3Y11.82%
STT Yearly Income VS Free CF VS DividendSTT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B
STT Dividend Payout.STT Dividend Payout, showing the Payout Ratio.STT Dividend Payout.PayoutRetained Earnings

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STATE STREET CORP

NYSE:STT (7/18/2025, 8:14:07 PM)

After market: 108.51 0 (0%)

108.51

+1.03 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-15 2025-07-15/bmo
Earnings (Next)10-13 2025-10-13/amc
Inst Owners91.64%
Inst Owner Change-0.01%
Ins Owners0.33%
Ins Owner Change1.77%
Market Cap31.31B
Analysts72.38
Price Target117.22 (8.03%)
Short Float %1.51%
Short Ratio2.37
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend3.5
Dividend Growth(5Y)6.75%
DP39.65%
Div Incr Years1
Div Non Decr Years1
Ex-Date07-01 2025-07-01 (0.76)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.35%
Min EPS beat(2)0.96%
Max EPS beat(2)5.75%
EPS beat(4)4
Avg EPS beat(4)4.34%
Min EPS beat(4)0.96%
Max EPS beat(4)5.75%
EPS beat(8)8
Avg EPS beat(8)5.89%
EPS beat(12)11
Avg EPS beat(12)4.55%
EPS beat(16)15
Avg EPS beat(16)4.85%
Revenue beat(2)1
Avg Revenue beat(2)-0.15%
Min Revenue beat(2)-2.06%
Max Revenue beat(2)1.76%
Revenue beat(4)3
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-2.06%
Max Revenue beat(4)1.76%
Revenue beat(8)5
Avg Revenue beat(8)-0.73%
Revenue beat(12)6
Avg Revenue beat(12)-0.75%
Revenue beat(16)10
Avg Revenue beat(16)-0.38%
PT rev (1m)8.03%
PT rev (3m)2.61%
EPS NQ rev (1m)-2.18%
EPS NQ rev (3m)-2.07%
EPS NY rev (1m)0.91%
EPS NY rev (3m)1.47%
Revenue NQ rev (1m)0.86%
Revenue NQ rev (3m)0.42%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 11.51
Fwd PE 10.09
P/S 2.38
P/FCF N/A
P/OCF N/A
P/B 1.17
P/tB 1.75
EV/EBITDA N/A
EPS(TTM)9.43
EY8.69%
EPS(NY)10.75
Fwd EY9.91%
FCF(TTM)-37.74
FCFYN/A
OCF(TTM)-34.55
OCFYN/A
SpS45.55
BVpS92.49
TBVpS61.97
PEG (NY)1.03
PEG (5Y)1.63
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.26%
GM N/A
FCFM N/A
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)9.34%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.7%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 180.08%
Cap/Sales 7.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)103.02%
Cap/Depr(5y)79.65%
Cap/Sales(3y)6.67%
Cap/Sales(5y)6.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.74%
EPS 3Y5.35%
EPS 5Y7.08%
EPS Q2Q%17.67%
EPS Next Y11.13%
EPS Next 2Y11.18%
EPS Next 3Y11.82%
EPS Next 5Y8.63%
Revenue 1Y (TTM)11.11%
Revenue growth 3Y2.63%
Revenue growth 5Y2.03%
Sales Q2Q%8.05%
Revenue Next Year4.43%
Revenue Next 2Y3.94%
Revenue Next 3Y3.89%
Revenue Next 5Y2.83%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-392.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-321.26%
OCF growth 3YN/A
OCF growth 5YN/A